NRIdisha

Calculators

A little clarity.
Your next move.

Choose what you’re planning. Explore the numbers at your own pace.

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Plan across borders

Retire your way

Compare destinations, savings and the costs your household will need to cover.

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Global Retirement Planner. Compare retirement destinations, dated family costs, partner income, locked assets and adverse scenarios in one household plan.
Make the move

Return to India

See whether your savings can fund the life you want in India.

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Return to India / FIRE planner. Estimate an inflation-adjusted retirement target and test whether your savings last for the period you choose.
Know your tax

Indian income tax

Compare supported tax regimes using your Indian income and deductions.

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NRI Indian income-tax estimator. Compare old and new regimes for supported Indian salary, rent and interest income.
Before you sell

Property sale tax

Understand capital gains, withholding and the cash left after a sale.

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NRI property sale: gain & withholding. Separate a capital-gain scenario from the cash withheld by the buyer.
Make savings count

NRE vs NRO deposits

Compare interest after tax, inflation and currency changes.

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NRE vs NRO / FD yield. Compare maturity values, tax, withholding, inflation and currency effects.
Check both countries

Double-tax relief

Explore foreign tax credits and the limits that may apply.

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DTAA & foreign tax credit calculator. Review a country-and-source schedule, relief direction, documents and aggregate foreign-tax thresholds.
Bring the picture together

Overseas pension

Estimate what reaches India after source tax, fees and conversion.

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Foreign pension withdrawal & repatriation. Reconcile immediate cash and final tax; compare cash-out, retaining funds, phased withdrawals and confirmed transfer / conversion actions.
Look beyond the price

Property returns

Bring rent, running costs, financing and a future sale into one view.

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NRI property return on investment. Include vacancy, management, travel, municipal taxes, financing and tax on sale.
See the whole picture

Portfolio review

Review your mix of assets, costs, real returns and access to cash.

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Private portfolio review. Check allocation, accessible reserves and assumed returns. Add optional cash income, goals, holdings and currencies for a deeper diagnosis.
Plan your everyday

Lifestyle costs

Explore how growing expenses could change your future savings.

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Lifestyle inflation calculator. See how spending each pay rise affects your future savings.

Use your own figures. Review the assumptions before relying on an estimate.